ABODE FINANCE LTD
💤Zombieactive
11593568 · ltd · incorporated 2018-09-28
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£-18.6k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 72/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
30 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Negative net assets
Liabilities exceed assets by £18,578
Net assets shrinking
Down £23,302 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£19k
↓ 493% YoY
Current Assets
£57k
↓ 19% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £26.9k | £44.9k |
| Current assets | £57.5k | £70.9k |
| Net assets | £-18.6k | £4.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.
Available from the Pro tier upwards.
See pricing →Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2025-12-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-11-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-13📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-21📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-01📄change-person-director-company-with-change-dateofficers · CH01
- 2022-12-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-07📄change-person-director-company-with-change-dateofficers · CH01
- 2022-06-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-07📄change-person-director-company-with-change-dateofficers · CH01
- 2022-06-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-09-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-11-05📄capital-allotment-sharescapital · SH01
- 2019-04-18➖WHITTAKER, Matthew resigneddirector
- 2018-09-28🏢Company incorporatedAs ABODE FINANCE LTD
- 2018-09-28➕WHITTAKER, Deborah Louise appointeddirector
- 2018-09-28➕WHITTAKER, Matthew appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Deborah Louise Whittaker Individual · British · DOB 06/1984 · age 42 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 28/09/2018 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · RH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1ST FINANCIAL SERVICES LTD→ 10031713 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| 20/20 MORTGAGE SERVICES LTD→ 11832854 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| 3D FINANCIAL PLANNING LTD→ 07970452 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| 4GI LIMITED→ 08928644 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| 72 OSMOND GDNS WALLINGTON LTD→ 12781022 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| A & L TAYLOR (WEST SUSSEX) LTD→ 10020961 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ABOUT MORTGAGES LTD→ 11571139 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ABSOLUTE FUNDING PARTNERS LIMITED→ 14769528 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ACCOLADE FINANCIAL PLANNING LTD→ 16460004 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACCREDO SECURED BUSINESS FINANCE LIMITED→ 09062351 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ACQUISITIONS ADVISORY LIMITED→ 16399376 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACRE MORTGAGES LIMITED→ 15592975 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated2018-09-28
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
Littlehaven House
24-26 Littlehaven Lane
Horsham
West Sussex
RH12 4HT
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-27
Last: 2025-09-13
Officers (1 active · 1 resigned)
WHITTAKER, Deborah Louise→
Activedirector · ~42y · appointed 2018-09-28
View their other companies + combined net worth →
WHITTAKER, Matthew→
Resigneddirector · ~44y · appointed 2018-09-28 · resigned 2019-04-18
Click a director name to see their full track record across all companies.
Recent filings (30 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-13
change-person-director-company-with-change-date
officers · CH01
2025-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-25
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-22
change-person-director-company-with-change-date
officers · CH01
2024-11-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-21
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-13
change-person-director-company-with-change-date
officers · CH01
2022-12-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-12-01
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-03